Do you need a homebuyer education class for down payment assistance?
Usually: 2266 of the 2,700-plus programs in the catalog require homebuyer education.
Most accept a course from a HUD-approved housing counseling agency, and many accept an online course. Requirements differ on who must complete it — some programs require every borrower on the loan, others only one. Certificates are generally valid for a limited period, so agencies publish their own expiry rules.
State by state
51 states and territories have at least one. Each links to that state's full directory.
| State | Programs requiring education |
|---|---|
| California | 305 |
| Florida | 178 |
| Texas | 114 |
| Colorado | 87 |
| Pennsylvania | 81 |
| Virginia | 80 |
| Maryland | 79 |
| North Carolina | 76 |
| Ohio | 65 |
| Minnesota | 64 |
| New York | 60 |
| Michigan | 59 |
| New Jersey | 54 |
| Georgia | 49 |
| South Carolina | 47 |
| Illinois | 45 |
| Oklahoma | 43 |
| Wisconsin | 41 |
| Louisiana | 40 |
| Tennessee | 40 |
| Indiana | 39 |
| Connecticut | 36 |
| Arizona | 34 |
| Alabama | 31 |
| Iowa | 31 |
| Montana | 30 |
| Washington | 30 |
| Massachusetts | 27 |
| Mississippi | 26 |
| New Hampshire | 25 |
| Kentucky | 23 |
| West Virginia | 23 |
| Kansas | 22 |
| Utah | 22 |
| Idaho | 21 |
| Wyoming | 21 |
| New Mexico | 20 |
| Nebraska | 18 |
| Nevada | 18 |
| Missouri | 17 |
| Oregon | 16 |
| South Dakota | 16 |
| Rhode Island | 15 |
| District of Columbia | 14 |
| Delaware | 14 |
| Maine | 14 |
| Vermont | 13 |
| Hawaii | 12 |
| North Dakota | 11 |
| Alaska | 10 |
| Arkansas | 10 |
Questions, answered
Do you need a homebuyer education class for down payment assistance?
Usually: 2266 of the 2,700-plus programs in the catalog require homebuyer education. Most accept a course from a HUD-approved housing counseling agency, and many accept an online course. Requirements differ on who must complete it — some programs require every borrower on the loan, others only one. Certificates are generally valid for a limited period, so agencies publish their own expiry rules.
Where do these numbers come from?
Hey Prescott maintains a catalog of active down payment assistance programs across all 50 states and DC, each verified against the administering agency's own published material and carrying the date it was last checked. The counts on this page are drawn from that catalog and refresh as it does.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
More questions
- Do you have to pay back down payment assistance?
- Do you have to be a first-time buyer to get down payment assistance?
- Can you combine down payment assistance programs?
- What credit score do you need for down payment assistance?
- Can you use down payment assistance on a manufactured home?
- Can you use down payment assistance on new construction?
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